Ms Adrienne Murray:

It is not the amount of money. Anyone who picks up the telephone would see it quite clearly. They would have issues and would ask, for example, if we undertake an ICP credit check, is a tax clearance certificate required or why do they have to go to their bank. That is one of the matters that we would have addressed. Getting a formal decline from the bank could delay a process and the informal or verbal decline has been one of our responses to that.

In terms of senior entrepreneur events, we have engaged, been involved and linked in with a number of those events throughout the country. We have a big cohort of clients who have, for want of a better word, "reinvented" themselves or brought different skills to the local market in terms of creating a job for themselves or sustaining local employment. Is there anything else on that?